2026 Benefits Showcase

Welcome to Werner Benefits!

We know your benefits are critical for you and your family and we are committed to offering comprehensive and affordable options for you and your loved ones.

To ensure you fully understand our offerings, this virtual benefits site was created so you can easily navigate and learn more about what is available to you. Please take some time to review the information and return to the site whenever you or your family members have questions or want to review our benefits.

This is available to at any time throughout the year, so feel free to bookmark it and return to it any time you have a question.

2025 ACA 1095-C Forms
(This form is not necessary to file your taxes)

Forms are available self-service in Workday. To access the form:

• Under Menu, select Benefits + Payments
• Click Benefits and Pay
• Select ACA Forms
• You can then view or print the 2025 ACA Form 1095-C

You are still able to request a copy of this form to be mailed to you by submitting a request to benefits@werner.com. This form will be provided within 30 days of the request.

Enrolling in Workday

Enrolling for benefits is done through Workday and is quick and easy!  Here are a few resources to help you sign up for benefits:

Non-Driver Benefits Orientation

Drivers Benefits Orientation

2026 Benefits Showcase

Medical Plans

Since we want you to have a plan that best fits the needs of you and your loved ones, Werner offers three plans through Highmark Blue Cross Blue Shield.
For more details on these options, please review this side-by-side comparison.

• $1,500 Employee/$3,000 Family Deductible PPO Plan
• $2,500 Employee/$5,000 Family Deductible High Deductible Health Plan
• $3,400 Employee/$6,800 Family Deductible High Deductible Health Plan

Benefit Start Date: If you elect to participate your coverage begins the first of the month, following 30 days of employment (Example: Hire date of April 15 - insurance would be effective on June 1st). If you enroll in this plan, you must stay in the plan until the next open enrollment, or unless you have a qualifying life event.

Eligibility: Full-time and part-time associates (who work 30 hours per week on a regular schedule) may elect to participate. Eligible dependents include: spouse, children born to or adopted by the employee, step children, or children to whom the associate is the legal guardian. Children are eligible for coverage up to age 26. A common law spouse may be added, but you must reside in a state where common law marriage is recognized. Birth certificates and marriage certificate will be required to add children and/or spouse. Centers for Medicare and Medicaid Services ("CMS") requires plan sponsors to collect Social Security Numbers for all participants and dependents when they enroll for coverage.

Enrollment: Your enrollment must be completed within the first 30 days of your date of hire. The only other time you are allowed to enroll or make changes to this pre-tax plan outside of the first 30 days is during open enrollment or if you experience a Qualifying Life Event.

Qualifying Life Event: A qualifying life event includes marriage, divorce, birth or adoption of a child, loss of other group coverage, or proof of other group coverage. If you experience a qualifying life event during the plan year, you must notify the Benefits Department within 31 days to request a special enrollment period. During a special enrollment period, you may make changes to the medical, dental and vision plans. You may enroll, add or drop qualified dependents, or cancel your coverage. Documentation of the qualifying life event will be required.

Key Words to Know:

Copay: An amount you pay for a covered service each time you use that services.

Deductible: The amount you pay before the plan begins to pay.

Out-of-Pocket Cost: Expenses you pay yourself, such as deductible, copays, coinsurance and non-covered services.

Out-of-Pocket Maximum: The maximum amount you pay for covered services in a year.

Coinsurance: Percentage of the charge that your plan will pay, typically after you have met the deductible.

In-Network vs. Out-of-Network: For medical plans that offer in-network and out-of-network benefits, you have the option to see any provider you choose. However, you'll save money when receiving care from an in-network provider.

Visit Highmark online: www.highmarkbcbs.com.

Highmark PPO Plan Option 1

A PPO plan is a type of health plan that contracts with medical providers, such as hospitals and doctors to create a network of participating providers. You will pay less if you use providers that belong to the plan's network.

For details on the available benefits, see the summary of benefits below:

Highmark High Deductible Health Plan Option 2

A High Deductible Health plan (HDHP) means that you must pay all the costs up to the deductible amount before this plan begins to pay for the covered services.

For details on the available benefits, see the summary of benefits below:

Highmark High Deductible Health Plan Option 3

A High Deductible Health plan (HDHP) means that you must pay all the costs up to the deductible amount before this plan begins to pay for the covered services.

For details on the available benefits, see the summary of benefits below:

Specialty Prescription Coverage

If you elect our health insurance coverage, you are automatically enrolled in VIVIO Health.  VIVIO handles all “specialty medications.”

Sometimes certain health conditions (such as cancer, rheumatoid arthritis, multiple sclerosis, or others) may result in your doctor prescribing a specialty medication.  These medications must be pre-certified through VIVIO Health. Be sure to inform your provider if you are prescribed a specialty medication. Specialty drugs on the VIVIO Health coverage list are only covered through the VIVIO Health Program whether administered at a pharmacy, physician’s office, ambulatory center, or other out-patient location.

Well360 Virtual Health & Behavioral Health

Well360 Virtual Health, previously known as Amwell, gives Highmark members 24/7 access from anywhere for Urgent Cares, Behavioral Health Therapy and Psychiatry.  If you previously used Amwell, you can continue to use the same login for Well360 Virtual Health, but you will need to set up a new password by selecting the forgot email or password link.

Sword Virtual Physical Care

Sword specializes in virtual physical care using a tablet with motion-tracking technology. Connect with a physical therapist to get real-time guidance.

Tobacco Premium Differential

Each associate who elects coverage under the Plan must certify if they and/or their covered spouse are a Non-Tobacco User or if they are a Regular Tobacco User who has completed an approved tobacco cessation program. Be sure to update Workday with your current tobacco status.

If it is unreasonably difficult due to a medical condition, or if it is medically inadvisable for an associate and/or their spouse to achieve the standards under this Tobacco Premium Differential Policy, the associate and/or their covered spouse should contact the Benefits Department to discuss other reasonable alternative to avoid the tobacco premium differential.

Have a question?

Visit http://highmarkbcbs.com/

Call 866.594.1736

2026 Benefits Showcase

Dental and Vision Plans

Werner offers both dental and vision coverage at two different levels to best meet your current needs and plan for the future.

Dental insurance is offered through United Concordia and is available in both a basic and enhanced plan. 

Vision insurance is available through Davis Vision and you can choose either the standard or enhanced plan. 

All dental and vision options are outlined below.

Dental Plans

At Werner, we want to see you smile! We offer two different dental plans, basic plus and advanced. Both dental plans are offered through United Concordia.

Key Words to Know:

Annual Maximum Benefits: The maximum total amount the plan will pay during the plan year.

Deductible: The amount you pay before the plan begins to pay.

Preventive Services: Services designed to prevent or diagnose dental conditions including oral evaluations, routine cleanings, X-rays, fluoride treatments and sealants.

Basic Services: Services such as basic restorations, some oral surgery, endodontics and periodontics.

Major Services: Services such as crowns, dentures, implants and some oral surgery.

Orthodontia: Services such as straightening or moving misaligned teeth and/or jaws with braces and/or surgery.

Vision Plans

Having an annual eye exam, wearing corrective lenses when needed, and protecting your eyes from UV light are some of the most important things you can do to keep your eyes healthy. Werner offers both an enhanced and standard vision plan through Davis Vision. 

Both plans have allowances for exams, lenses, frames, and contact lenses but differ in the value of those allowances. 

Have a question?

2026 Benefits Showcase

Spending Accounts

You can save money on your health care and dependent care costs through the use of tax-advantaged accounts that allow you to use before-tax dollars to pay for eligible expenses. These accounts are designed to save you money throughout the year by lowering your taxable income. By participating you can increase your spendable income!

Eligibility: Full-time non-drivers, and drivers (who have worked for Werner Enterprises for 12 months or longer) can elect to participate in the FSA plan. You do not need to be enrolled in the health, dental and/or vision plans to participate. To be eligible for an HSA, you must be enrolled in a HDHP.

Health Savings Account- HSA

Health Savings Account ("HSA"): An account funded by you and Werner Enterprises that lets you set aside a portion of your income, before taxes, to pay for eligible health care expenses. This type of account is available only to participants who are enrolled in a High Deductible Health Plan ("HDHP").

How does a Health Savings Account ("HSA") work? You must open up an HSA in order to receive the HSA funding from Werner Enterprises. Regardless if you are contributing to your HSA or not, you must register for an account.

You can use your HSA to help pay for eligible health care expenses as you incur them or you can build up the money in your account and use it for future expenses, even during retirement. Your HSA is always yours to keep! Unused funds can be carried over each year and invested for the future - you can earn tax-free interest on your HSA balance.

Werner will also contribute to your HSA, but in order to receive those funds, you must open an HSA account. 

• $2,500 / $5,000 HDHP: $300 for individual, $600 for all other tiers
• $3,400 / $6,800 HDHP: $500 for individual, $1,000 for all other tiers

Maximum Contributions

The total annual HSA contributions may not exceed the annual maximum amount established by the IRS. The annual contribution maximum is based on the coverage you elect.

• Individual – $4,400
• Family (filing jointly) – $8,750
• Employees ages 55 and older can make an additional annual "catch-up" contribution of up to $1,000

Medical Flexible Spending Account

Flexible Spending Account ("FSA"): An account that allows you to set aside a portion of your income before taxes, to pay for eligible expenses. It is designed as an account to cover qualified medical dental and vision expenses.

How does the Health FSA work? The health flexible spending account plan can benefit you if you have any predictable out-of-pocket medical, dental or vision expenses. You determine how much money you and your family members spend throughout the year on health care expenses. Full-time non-driver associates can contribute a maximum of $3,400 per plan year, and drivers with 12 months of service can contribute a maximum of $1,000 per plan year. Some of the most widely claimed expenses are the annual health deductibles, coinsurance, copays, prescription drugs, eye exams and eyeglasses, orthodontics, dental visits, physicals, over-the-counter medicines, etc.

Eligible expenses include medical copays, coinsurance, deductibles, eyeglasses, over-the-counter medications prescribed by your doctor.

Dependent Care Flexible Spending Account

Dependent Care FSA: An account to cover expenses for child/elder care for eligible dependents that allows you and/or your spouse to work.

Full-time non-driver and drivers are eligible to contribute pre-tax dollars up to $7,500 per year, or $3,750 if married and filing separate tax returns. The funds can only be used to pay for eligible dependent care expenses including day care, after-school programs and elder care programs.

Have a question?

Call 877.765.8810 option 1

2026 Benefits Showcase

Supplemental Plans

Supplemental medical insurance can help to protect you from significant expenses that are not covered by your medical plan. Werner's supplemental insurance is provided through Allstate and are defined below. 

Allstate Accident

Accident coverage provides cash benefits for accidental injuries on-and off-the-job, 24 hours a day.

Allstate Critical Illness

Critical Illness coverage provides a lump-sum payment when faced with a covered critical illness diagnosis.

Allstate Hospital Indemnity

Hospital indemnity coverage provides payment for hospital stays when a sickness or injury occurs.

Additional Benefits

As part of Werner’s benefit package, you also have access to a Legal Plan through MetLife.  This plans can provide assistance or save you money if you find yourself in need of these services.  Learn more below.

Pet insurance is a financial safety for your furry family. It allows you to get reimbursed for accidents or illnesses so you don’t have to worry about the cost and can focus on care. Spot plans can cover emergency visit, lab fees, behavioral problems, x-rays, tests, surgeries and much more. You get to choose the coverage you want for your pet(s).   

Spot Pet Insurance

Accident coverage provides cash benefits in case of accidental injuries or death.

Spot Pet Insurance FAQs

Spot Pet Insurance helps cover emergency costs. 

Spot Pet Insurance

Spot coverage helps you receive up to 90% cash back in case of accidents, illnesses, and emergencies.

Have a question?

Call 877.626.6419

2026 Benefits Showcase

Life and Disability

Werner offers short-term and long-term disability along with basic and voluntary life insurance policies. All life and disability benefits are available through Lincoln Financial Group. Call or login to initiate a disability claim and register with our Company Code: Werner.

Basic Life Insurance

All full-time Werner associates will automatically receive at no cost a $25,000 basic life and accidental death and dismemberment benefit. This basic life policy doubles if death is due to an accident. This insurance becomes effective on the 1st of the month after 30 days of full-time employment. 

Please make sure to name the beneficiary for this coverage. Beneficiary contact information must be added to Workday.

Voluntary Life Insurance

Optional voluntary life insurance policies are available to all full-time employees the first of the month following 30 days of employment. The cost for this benefit is dependent on your age and the amount of insurance that you choose. Coverage levels range from $10,000 up to $500,000. Coverage is available for employee, spouse and dependent children. Spouse coverage cannot exceed 50% of what the employee chooses and dependent children between the ages of 1 to 26 years in the amount of $5,000 or $10,000 each. Children from 2 weeks to less than 1 year are limited to coverage of $1,000 each. Please note that the cost for this insurance increases when you fall into a new age bracket.

You must enroll within the first 30 days to receive up to $120,000 coverage without any underwriting requirements. If you enroll in this voluntary program, coverage will begin the first of the month following 30 days of employment. If you request insurance coverage over $120,000, a statement of health will be required and provided to Lincoln Financial Group before being approved.

If you enroll in this benefit during open enrollment, or would like to increase the amount of your insurance, your request may be subject to Evidence of Insurability. If you terminate employment you can contact Lincoln Financial Group to continue this benefit.

Short-Term Disability

Full-time employees are eligible for voluntary short-term disability the first of the month following 30 days of employment. When you need to miss work for an extended period of time, short-term disability insurance can replace a percentage of your lost income if you are disabled as a result of a covered sickness or off the job injury. 

Short-term disability protects up to 40%, 50% or 60% of gross earnings after a 14-day waiting disability period for up to six months of disability.

Long-Term Disability

Werner Enterprises' Long-Term Disability plan protects your most valuable asset if you are sick or injured - your ability to earn an income.

Full-time, non-driver associates are eligible the first of the month following 30 days of employment. If you enroll in the buy-up option, the plan pays a total of 60% of gross salary after a 180-day waiting period. Benefits are paid up to age 65; or for maximum of five years if deemed disabled at age 60 or above.

If you enroll in the LTD buy-up option during the first 30 days of employment, you are guaranteed enrollment. If you enroll during open enrollment, you must answer a health statement and are subject to approval.

There is an automatic company paid benefit of 50% of your gross monthly income up to $1,000.

Have a question?

Call 800.320.7585

2026 Benefits Showcase

At Werner, we want wellness to not only be a way of life but to be the way of Werner. Whether wellness is attending your preventative appointments such as an annual physical or age-appropriate screening or it means setting and reaching new goals, there are programs to help you live and be well. 

Drive to Better Health: The Wheels to Wellness

The Wheels to Wellness is a program designed to reward you for attending preventative appointments and/or age-appropriate screenings. If you complete all of the steps of the program you can receive $240 off your insurance premium for the following year. This is not an outcomes-based program and there are no health conditions that can make you ineligible for the program.

To get signed up, grab your Werner Health Insurance card and head to www.MyHighmark.com. You will want to save your username and password for future log-ins. Complete your account including completing the annual agreements (GINA and SDoH). You will need to consent yes to both agreements to participate in the program.

*Program eligibility ends on September 30th, 2025*

MoveSpring Step and Goal Tracking App

MoveSpring connects their platform to your unique fitness tracking device including Fitbit, Apple Health, Garmin, etc. or you can upload your steps manually. Through MoveSpring you will be able to compete with other Werner Associates, participate in challenges, engage in positive conversation, and see where you step against your peers on Werner-only leaderboards.

Along the way, there will be the opportunity to win prizes, move more and interact!

Create an account and use company code "werner"

EmployeeConnect Employee Assistance Program

EmployeeConnect available through Lincoln Financial, offers confidential 24 hours a day, seven days a week assistance for employees and their family members. EmployeeConnect provides help with family, relationships, financial, parenting, stress, and addiction. Werner covers up to 5 sessions with a counselor. There are also online resources for getting help. 

Lincoln WellnessPATH

Lincoln WellnessPATH available through Lincoln Financial, offers online tools and personalized steps to help manage your financial life.

Wellness Coaching through Highmark

Health coaches are available through Highmark BCBS. Here you can get personalized health coaching covering many different topics. Health coaches are available to help with weight management, tobacco cessation, stress reduction and improved eating habits. Health coaches are accessible by telephone or digitally through messaging. 

Lifestyle, non-clinical mental health, and chronic disease management with Vida Health

Note: Vida Health is available to non-driver associates covered under Werner’s medical plan.

Vida Health provides users with a personal health coach to help reach your goals, or better manage your chronic disease. When you enroll in Vida you will be matched with a health coach for your specific goals and meet with them via video calls and in-app messaging. All of this comes at no cost to you. To learn more, go to https://www.vida.com/member/werner/.

Have a question?

2026 Benefits Showcase

Retirement

We are all working with our sights set on retirement. Werner has plans in place to help you put money aside for a financially secure retirement. 

Werner Enterprises 401(k)

Werner Enterprises offers a 401(k) retirement savings plan as a valuable benefit to all eligible employees. The Werner Enterprises Employees’ 401(k) Retirement Savings Plan can help you put money aside for a financially secure retirement!

Eligibility

You are eligible to participate if you are at least 21 years of age and have worked at Werner Enterprises for at least 6 months. Eligible employees may begin participating in the plan the first of the month after they have completed the above requirements.

Contribution Amount

Through payroll deductions, you may make Deferred Salary contributions of up to 75% of your pay. You choose what percent (in whole percentages) you want to contribute and whether you want to contribute Pretax dollars or after-tax dollars with a Roth. With pretax, the contribution is calculated before taxes come out and you are taxed when you withdraw the money. With Roth, you use after tax dollars but all earnings are tax free. You can contribute to one or both and you may increase, decrease or stop making contributions at any time.

The Internal Revenue Service (IRS) limits the dollar amount of pre-tax contributions you may make each calendar year. The current limit is $24,500.

If you are age 50 or older (or will turn 50 anytime during the current plan year), you may make an additional $8,000 catchup contribution through payroll deduction.  Plan participants who attain age 60 through 63  have a higher catch-up limit of $11,250. The standard IRS limit resumes the year you turn 64.

Company Match

Werner Enterprises will make a matching contribution to your account that becomes vested based on your years of service. You are fully vested in the matching contributions after five years. Werner Enterprises matches 25% on the first 4% of gross pay that you contribute. The maximum annual Company matching contribution is $5,000. The Company will make its matching contribution once a year to participants employed on December 31. The Company match will be funded by the Company within the first several weeks of the following year.

Our Plan is able to accept rollover money from 401(k) plans, 403(b) tax-sheltered annuities, and 457 governmental plans. In addition, you can roll over money from eligible IRA accounts.

Retirement Guidance from RetireAdvisers℠

Navigating retirement planning can be challenging, but you don’t have to do it alone. RetireAdvisers℠ of Pension Consultants, Inc. (PCI) is here to help. As our plan adviser, PCI assists in selecting the plan’s investment options, working with employees like you to help them get on track for retirement. As professional retirement experts, RetireAdvisers℠ provides expert guidance to help you make the most of your retirement plan.

Here are some ways you can connect with RetireAdvisers℠:

• Questions by Phone – Get answers to retirement-related questions.
• Virtual Guidance – Discuss contributions, investment options, and distributions online.
• Resources at RetireAdvisers.com – Access tools and educational content.
• On-Site One-on-Ones – Individual discussions for personalized guidance.
• On-Site Group Meetings – Explore common retirement topics in group sessions.
• On-Site and Virtual Workshops – Learn about transitioning into retirement.

Getting Started is Easy

The journey to a secure retirement starts now. With the Werner Retirement Plan and the expert support of RetireAdvisers℠, you have essential tools to build a comfortable future. Whether you’re just beginning your career or nearing retirement, it’s never too early or too late to start planning.

Contact your dedicated Retirement Consultants at Pension Consultants, Inc. for additional assistance.

1. (417) 245-2045
2. help@retireadvisers.com
3. retireadvisers.com/werner
4. One-on-One Help With Your 401(k)
5. Feel Secure on Your Retirement Journey

Pension Consultants, Inc. is not an affiliate of Empower and is not an Empower company. RetireAdvisers℠ virtual guidance is for educational purposes only and does not include specific investment advice. Pension Consultants, Inc. is registered with the U.S. Securities and Exchange Commission as an investment adviser.

Employee Stock Purchase Plan

As a Werner associate, you have an exclusive opportunity to invest in your future by investing in Werner Enterprises, Inc. common stock. The Werner Enterprises Stock Purchase Plan ("ESPP") allows you to purchase company stock at the market price, and Werner will contribute an amount equal to 15% of your plan contribution. 

If you have at least 90 days of service and work at least 20 hours per week on a regular basis, you can purchase shares of the Company's common stock through the Employee Stock Purchase Plan.

Have a question?

2026 Benefits Showcase

2026 Open Enrollment Materials

2026 Non-Driver Open Enrollment

2026 Driver Open Enrollment

2025-2026 Benefits Legal Notices

• 2025-2026 Open Enrollment and New Hire Notices

• ACA Paperwork Reduction Act Notice

• 2026 Medical Plan Rates
  

• 2026 Medical Plans

• 2026 HIPPA Privacy Notice
  
  
• 2026 CHIP Notice

Illinois EHB Disclosures

• IL EHB Disclosure 1250 Plan

• IL EHB Disclosure 1500 Plan

• IL EHB Disclosure 2000 Plan

• IL EHB Disclosure 2500 Plan

• IL EHB Disclosure 3300 Plan

• IL EHB Disclosure 3400 Plan

2025 Rates and Summarys

• 2025 Medical Plan Rates

• 2025 Medical Plans